Article
STUDY OF HOME LOAD AT HDFC BANK
The home loan sector plays a vital role in promoting housing development and financial inclusion in India. HDFC Bank, as one of the leading financial institutions, offers a variety of home loan schemes tailored to meet the needs of different customer segments. This study investigates the performance and effectiveness of HDFC Bank’s home loan services by integrating advanced Artificial Intelligence (AI), Machine Learning (ML), and Deep Learning (DL) approaches to better understand consumer behavior, loan approval trends, risk prediction, and customer satisfaction .By leveraging real-world data—such as loan applications, credit scores, income levels, and repayment history—this research applies machine learning algorithms like decision trees, logistic regression, and random forests to identify the most influential factors affecting home loan approvals. Deep learning models, particularly neural networks, are also implemented to handle more complex relationships and predict defaults with higher accuracy. Sentiment analysis using Natural Language Processing (NLP) is applied to customer reviews and feedback, helping to understand public perception of HDFC’s home loan services.The findings aim to assist HDFC Bank in optimizing its loan processing workflows, improving customer targeting, and enhancing risk management through automation and data-driven insights. The study demonstrates how AI, ML, and DL can bring precision, speed, and intelligence to the home loan segment, ensuring better service delivery and customer satisfaction.
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